UMBF Analyst Ratings
UMB Financial Corporation (UMBF) operates in the Financial Services sector, specifically the Banks - Regional industry, with a market capitalization near $9.79B, listed on NASDAQ, employing roughly 5,222 people, carrying a beta of 0.83 to the broader market. UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Led by J. Mariner Kemper, public since 1980-03-17.
Analyst Ratings
In the October 2026 monthly count, 16 analysts rated UMBF: 7 Strong Buy, 6 Buy, 3 Hold, 0 Sell and 0 Strong Sell.
Twelve months earlier, in October 2025: 13 analysts, 4 Strong Buy, 6 Buy, 3 Hold, 0 Sell and 0 Strong Sell.
Price Targets
- Average Target
- $166.20
- Median Target
- $167.50
- High
- $182.00
- Low
- $147.00
- Targets Published, Last 12 Months
- 27
Recent Price Targets
The 5 most recent of 27 price targets published in the last 12 months.
| Date | Firm | Analyst | Target | Price When Posted |
|---|---|---|---|---|
| Oct 9, 2026 | RBC Capital | Jon Arfstrom | $168.00 | $129.87 |
| Sep 29, 2026 | Wells Fargo | Not named | $147.00 | $131.84 |
| Sep 28, 2026 | Morgan Stanley | Brian Wilczynski | $182.00 | $134.80 |
| Sep 14, 2026 | UBS | Not named | $155.00 | $139.49 |
| Sep 8, 2026 | Morgan Stanley | Not named | $190.00 | $143.76 |
Recent Upgrades & Downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 9, 2026 | RBC Capital | maintain | Outperform | Outperform |
| Oct 5, 2026 | TD Cowen | maintain | Buy | Buy |
| Oct 1, 2026 | JP Morgan | maintain | Overweight | Overweight |
| Sep 30, 2026 | Wells Fargo | maintain | Equal Weight | Equal Weight |
| Sep 28, 2026 | Morgan Stanley | maintain | Overweight | Overweight |
Quantitative Rating
UMBF carries a model grade of A (overall score 4 of 5), computed from six valuation and financial measures (discounted cash flow, return on equity, return on assets, debt to equity, price to earnings and price to book), each scored 1 to 5. It is not an analyst rating.
How to Read UMBF Analyst Coverage
Sell-side equity analysts publish three primary outputs: ratings (Strong Buy / Buy / Hold / Sell / Strong Sell, or firm-specific equivalents), price targets, and EPS / revenue estimate revisions. Rating consensus moves slowly relative to price; it reflects 12-month directional conviction rather than near-term momentum. Price targets are more responsive but typically drift behind realized price during sharp moves. The most actionable signal for options traders is a cluster of ratings actions across multiple firms within a short window, which compresses or expands implied volatility on a horizon of days to weeks and shifts the put-call skew toward the directional consensus. The recent-actions table above shows the five most recent firm-level changes; longer histories live behind aggregator sources.
For event-driven options sizing, pair the consensus rating and target distribution with the implied-volatility surface and dealer-positioning view. Aggressive target hikes from multiple firms tend to tighten put skew (downside protection becomes relatively cheaper); aggressive cuts widen put skew. The size of the IV response in the hours after a rating change is visible on the per-ticker volatility skew page and the gamma-exposure page, both of which show how dealer hedging propagates the analyst-driven flow into the listed options chain.
Learn how analyst ratings is reported and how to read the data →
Frequently asked UMBF analyst ratings questions
- What is the UMBF consensus price target?
- As of the latest aggregator update, UMB Financial Corporation (UMBF) carries a consensus 12-month price target of $166.20. Target ranges run from a low of $147.00 to a high of $182.00. The target is the average of the price targets published by sell-side equity analysts covering the name.
- What is the analyst rating consensus on UMBF?
- In the October 2026 monthly count, 16 analysts rated UMBF, and the distribution tilts to the Buy side: 7 Strong Buy, 6 Buy, 3 Hold, 0 Sell and 0 Strong Sell. Rating consensus moves slowly relative to price; it reflects sell-side conviction over a 12-month horizon rather than near-term momentum.
- What recent ratings actions has UMBF seen?
- The five most recent ratings actions on UMBF appear on the page above. Sell-side rating changes are watched for two reasons: an upgrade or downgrade with a meaningful target revision moves the consensus and can trigger short-term positioning shifts, and the firm-level rating cluster (multiple firms moving in the same direction within a short window) is a clearer signal than any single action. Options markets often price the implied-vol response within minutes of the announcement.
- How do analyst targets affect UMBF options pricing?
- Analyst target revisions tend to be priced in by the lit options market within minutes of publication, but persistent target drift over weeks does correlate with implied-volatility movement. Aggressive target hikes from multiple firms inside a single quarter tighten put skew (downside protection becomes cheaper relative to upside speculation); aggressive cuts widen put skew. The most actionable read is the implied-vol response in the hours after a target change, which is visible on the per-ticker volatility skew page.